What Insurers Ask
Most life insurance applications include a question about weekly alcohol consumption in units. The NHS guidelines are 14 units per week for both men and women.
| Weekly Units | Typical Impact on Premiums |
|---|---|
| 0–14 units | No impact |
| 15–28 units | Minor loading or additional questions |
| 29–50 units | Significant loading (20–50%+) |
| 50+ units | Possible decline or heavy loading |
Alcohol-Related Conditions
If you have had any alcohol-related health issues – liver disease, pancreatitis, alcohol-related neurological conditions – you must declare these. Insurers may apply loadings or exclusions.
Previous Alcohol Dependency
A history of alcohol dependency is assessed carefully. If you have been abstinent for several years with no related health issues, many insurers will offer cover at standard or slightly loaded rates.
Always Declare Accurately
Non-disclosure of alcohol consumption can void a claim. Estimate your weekly units honestly – and if in doubt, round up rather than down.
Frequently Asked Questions
Under 14 units: no impact. Over 28: loadings. Dependency: assessed case by case.
Yes. Always disclose. Non-disclosure can void your policy at claim.